Community
Start saving for Christmas now, urges Credit Unions of Wales
HAVING passed the halfway to Christmas mark, the Credit Unions of Wales are encouraging families to start saving now to put a stop to money worries during this year’s festive season. People in Wales are the second highest Christmas spenders in the UK, with the average Welsh household spending £596 on gifts each year. By setting aside £24 a week from this week on, families will be able to save their annual spend in advance of Christmas. This way they can avoid falling into debt and will only pay as much as they spend, rather than having to pay back interest on top of a loan to help them cover the cost. There are 21 credit unions in Wales and many of them offer special Christmas Saver accounts which ‘lock’ your monthly savings until November. This means you can only access your savings when it’s time for present shopping and won’t be tempted to spend them on something else before Christmas arrives. Several also offer incentives, such as a £10 bonus so people can start saving straight away or entering all account holders into a December prize draw. Many credit unions across Wales also offer low-interest Christmas loans which can be paid off within a year with small weekly payments. One example is Cardigan-based West Wales Credit Union which offers a £100 Christmas loan with weekly payments of £2.33 and a total repayment of £112.70. The Credit Unions of Wales have recently joined forces to participate in a Wales-wide marketing campaign to encourage more people to save, borrow or invest with their local credit union. Campaign spokesperson and General Manager of North Wales Credit Union, Barry Roberts, said: “Thousands of households across Wales struggle to balance their gift budgets with paying bills on time, but thankfully Christmas isn’t one of those unforeseen expenses such as a broken boiler or car repairs so you can prepare for it. “We’d always recommend saving in advance for such occasions so that you’ve already covered the cost before you incur it and by starting now you’ll be well ahead. “If you don’t manage to save everything you need in time, we also offer Christmas loans with much lower interest rates than payday lenders and we make sure you only borrow as much as you can afford. “With all of the sales on over the summer, it’s even worth thinking about taking out a loan now so that you can get your gifts at a better price and pay off the cost before Christmas arrives.” Credit unions are regulated by the same supervisory bodies as banks and customers’ savings are protected by the Financial Services Compensation Scheme, but credit unions offer additional member benefits such as no hidden admin costs, set-up fees or early repayment charges. Credit unions have no third party shareholders which means dividends are paid to savers instead, and they don’t rely on automated credit checks so all loan decisions are ultimately made by a real person. There are 21 Credit Unions across Wales, which means that everyone in Wales has a local credit union they can join. To find yours, visit www. creditunionsofwales.co.uk
Community
Johnston FC pays tribute after sudden death of Rhyan Nolan, 27
Community rallies around grieving family as club honours much-loved player at weekend fixture
JOHNSTON FC paid an emotional tribute at the weekend to Rhyan Nolan after his sudden death at the age of 27.
The club marked the occasion with a flawlessly observed minute’s silence before kick-off, as both teams, officials and supporters came together in his memory.
A signed match ball and Rhyan’s much-worn number ten shirt, covered in messages from team-mates and friends, were also prepared to be handed to his family, who were present for the tribute.
The death of Rhyan has sent shockwaves through the local community, with many gathering around his loved ones in the days since the devastating news emerged.

A fundraiser set up on GoFundMe says his family received the heartbreaking news on Monday that they had lost their “precious, loving son and brother” suddenly at such a young age.
The appeal names his close family as Nichola, Shamus, Brandon, Callum and Lilly, and says relatives are hoping to ease the financial burden while giving Rhyan the send-off he deserves.
It states: “Rhyan deserves a celebration of his short life.”
Johnston FC said it had been a difficult week for all those who knew and loved him, but said it had also been heartwarming to see such an outpouring of love at the match.
The club thanked everyone who helped make the tribute possible, along with those who had sent messages of support and donated towards helping the family.
Photographs shared after the game showed the scale of the moment, with both sides lined up in silence and the orange number ten shirt left covered in handwritten tributes.
For many in attendance, it was a powerful and deeply personal farewell to a young man clearly held in enormous affection.
A GoFundMe appeal has now been launched to support the Nolan family.

Community
Flood Alert issued for Pembrokeshire coast as weather conditions worsen
Natural Resources Wales (NRW) has issued a Flood Alert for the Pembrokeshire coastfollowing rising water levels. The alert, which affects areas between St Dogmaels, Cardigan and Amroth, warns that flooding is possible in the region due to adverse weather conditions and high tides.
The alert was issued at 12:53 PM today (Apr 4), urging local residents to be prepared for potential flooding in the coming hours.
Key Advice for Residents
As the flood risk increases, NRW has shared crucial advice to help people stay safe:
- Prepare a flood plan: If you have one, now is the time to follow it.
- Protect valuables: Residents should move important items, such as documents and sentimental belongings, to higher ground or safer locations.
- Stay alert and pack an emergency kit: Ensure your phone is charged, and pack essential items like medications, chargers, insurance documents, and warm clothing in case you need to evacuate quickly.
- Check on vulnerable individuals: Ensure that children, elderly relatives, and pets are safe, with a plan for their evacuation if necessary.
Avoid Floodwater at All Costs
NRW is also stressing the importance of avoiding floodwater, as even shallow levels of water can be extremely dangerous. As little as 30 cm (1 foot) of floodwater can sweep away a car, and 15 cm (6 inches) can knock you off your feet.
Authorities are urging everyone to never walk or drive through flooded areas.
How to Stay Updated
Residents are advised to stay informed through NRW’s website, where they can track water levels and access real-time updates. The agency also recommends checking its social media accounts for the latest information.
For more detailed information or if you need assistance, call Floodline at 0345 988 1188 (quick dial number: 503013).
For More Information:
- Flood Warning Details: Flood Warning Page
- Check River and Rainfall Levels: River Levels
- Floodline: 0345 988 1188
Follow NRW on Twitter: @NatResWales
Image: Herald file photo
Business
Harbwr Brewery plans for Saundersfoot Old Chemist pub
A FORMER Pembrokeshire county councillor who owns many hostelries in the county has submitted plans to the national park to rejuvenate a “tired” seaside pub.
In an application to Pembrokeshire Coast National Park, Mike Evans of Harbwr Brewery, a former county councillor and national park authority member, seeks a partly retrospective permission for works at the Old Chemist Inn, The Strand, Saundersfoot.
The works include proposed internal alterations to the basement and ground floor, a new rear balcony area to replace the existing one, improvements to front façade, a change of use of shop space to food/drink, and installation of seating booths in the rear garden.
It says the changes proposed will increase the number of staff employed to 15 full time and 10 part-time.
No objections to the proposal were raised by local community council Saundersfoot.
A supporting statement through agent David J P Morgan RIBA Architect, says the 19th Century pub “has endured many alterations during its lifetime and at present it needs improvements to echo the recent upgrading of the village, both in the general tourism support facilities, as well as the new innovative harbour development,” with the appearance and interior facilities “tired” and needing “works both inside and outside to enable the inn to achieve and provide the high levels of cuisine and facilities now expected”.
It says: “The Inn has been purchased by a local company who have a number of establishments within Saundersfoot and Tenby. The company is owned by local people, they use local produce, they employ local labour and work actively with local communities to achieve the high standards expected.
“The proposals include internal alterations to the internal layout of basement and ground floor which will improve bar, kitchen and food facilities and allow a much more varied menu including lots of local produce and locally caught seafood dishes. New toilet facilities will be provided on both levels to cater for the increase in visitors to the Inn.”
It adds: “The applicant has recently purchased the small retail unit on the ground floor. This was a single room, situated in between the two entrances into the Inn and with its own entrance door from the street.
“The current proposals include integrating this unit into the public house bar area and consequently the application includes a change of use from retail to the serving of food and drink.”
It goes on to say: “The rear ‘beer garden’ will be improved to allow more space and comfortable seating areas.
“The applicant is well known for the extensive use of external plotted plants in open areas at their establishments and the garden area will give the opportunity of using such to soften the garden area whilst giving greater habitat opportunities for birds and insects.”
There were initial objections from the Park’s buildings conservation officer to some of the parts of the design, a 2025 application being withdrawn early that year; amended plans being later submitted.
The application will be considered by park planners at a later date.
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